HDFC Income Fund

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Value Research Rating

3 star

Analyst’s Choice





₹53.0329 -0.07%

As on 17-May-2024


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Calculate SIP Returns of HDFC Income Fund

Upfront Investment

Monthly SIP Amount

Investment Duration


Risk info

This fund has Moderate risk.

Low to Moderate
Moderately High
Very High

As per SEBI's Riskometer.

Portfolio of HDFC Income Fund

Asset Allocation

Split between different types of investments

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Credit Rating Weightage

Split between categories of Equity investments

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Peer Comparison

Other details of HDFC Income Fund

Assets info

₹777 Cr

Exit Load (Days) info


Min. Investment (₹)


Min. Withdrawal (₹)


Min. SIP Investment (₹)


Min. No of Cheques


Investment Strategy

The scheme seeks to generate income / capital appreciation through investments in debt and money market instruments.


"Medium to Long Duration debt funds invest mainly in bonds maturing in four to seven years. They aim to earn better returns than bank fixed deposits of a similar duration. The risk of incurring a loss in these funds over the said time frame is low, but they may experience some degree of volatility in response to changes in interest rates.

Retail investors can avoid these funds altogether. We believe that Short Duration funds are a better alternative for the fixed-income allocation in an investor’s portfolio.

We also believe that investors with an investment horizon of more than three years may consider investing some portion of their money in equity funds to earn higher returns. They witness more severe ups and downs than debt funds but the possibility of incurring a loss reduces with an increase in one’s investment horizon."

Capital Gains Taxation

  • If investment is made on or after 1 April 2023: Entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • If investment is made before 1 April 2023:
    • Sold within 3 years from the date of investment: Gains are added to the investors' income and taxed according to the applicable slab rate.
    • Sold after 3 years from the date of investment: Gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • No tax is to be paid as long as you continue to hold the units.

Dividend Taxation

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

FAQ for HDFC Income Fund

HDFC Income Fund is mandated to invest in bonds such that the duration of the portfolio is between four to seven years.

Mutual funds can be bought directly from the website of the fund house. For instance, HDFC Income Fund fund can be purchased from the website of HDFC Mutual Fund. You can also buy mutual funds through platforms like MF Central, MF Utility, among others. However, if you are not comfortable buying mutual funds online, you can seek help of a mutual fund distributor. Most banks also act as mutual fund distributors. So you can connect with your bank for assistance.

The NAV of HDFC Income Fund is ₹53.0329 as of 19-May-2024.

The AUM of HDFC Income Fund Fund is ₹777 Cr as of 30-Apr-2024

The riskometer level of HDFC Income Fund is Moderate. See More

Company Percentage of Portfolio

GOI Sec 7.18 24/07/2037


GOI Sec 7.41 19/12/2036


GOI GOI Sec 7.54 23/05/2036


GOI Sec 7.18 14/08/2033


NTPC Ltd SERIES 67 Debenture 8.30 15/01/2029

See More

As of 30-Apr-2024, HDFC Income Fund had invested 93.75% in Debt, 5.76% in Cash & Cash Eq. and 0.49% in Real Estate See More

HDFC Income Fund is 23 years 8 months old. It has delivered 7.29% returns since inception. See More

Since Inception

No, There is no lock in period in HDFC Income Fund.

The expense ratio of HDFC Income Fund is 1.39.

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